Don't Get Burned By Hot Work/media/shamrock/P9802.pdfA Hot Work Permit is a tool. Effective hot work management requires a policy, procedures and trained personnel. Companies that

Don’t Get Burned by Hot Work

Don’t Get Burned by Hot Work 2 of 12

This brochure is made available for informational purposes only in support of the insurance relationship between FM Global and its clients. This information does not change or supplement policy terms or conditions. The liability of FM Global is limited to that contained in its insurance policies.

All hot work fires and explosions are preventable. Yet every year hundreds, if not thousands, of preventable hot work causes fires and explosions—placing facilities, business operations and people at risk. Preventing fires and explo-sions ignited by hot work takes collaboration between facility management, personnel and contractors. Senior managers need to be involved to endorse the hot work management policy and procedures, and ensure resources are avail-able to effectively implement them. And, facility personnel and contractors have to do their part in following these procedures, no matter how insignificant they may seem.

This brochure defines the key elements of a successful hot work management program. It outlines for senior management ways to establish and implement an effective hot work management policy. And, it details for facility personnel, as well as contractors, guidelines for safely performing hot work operations.

Don’t Get Burned by Hot Work 3 of 12

No Industry Is SafeHot work—any operation that pro-duces flames, sparks or heat—is a leading cause of fire and explosions throughout the world. FM Global loss history shows there is no in-dustry or type of facility immune to this ignition source hazard. Torch or radial-saw cutting, welding, brazing, soldering, grinding, and torch-ap-plied roof covering or plastic shrink-wrap are all examples of hot work.

From 1995 to 2014 (a 20-year pe-riod), FM Global clients experienced 736 hot work ignited fires or explo-sions with a total indexed gross of US$1,907 million in property loss and business interruption, and an average gross loss of US$2.6 million per incident. All losses could have been prevented with proper hot work management.

A Hot Work Permit is a tool. Effective hot work management requires a policy, procedures and trained personnel.

Companies that utilize the FM Global Hot Work Permit say their success in preventing fires caused by hot work would not be possible without senior manage-ment’s support of a strong hot work program.

Recurring Breakdowns in Hot Work Management Lead to Hot Work Fires and ExplosionsThe following hot work manage-ment oversights prevail every year in incidents of fire and explosion:■■ Lack of a formal hot work man-

agement program at the facility.■■ Failure to recognize and safe-

guard combustible, ignitable or flammable material in the hot work area.

■■ Inadequate during work fire watch including breaks (i.e., not continuous).

■■ Delegating hot work manage-ment to contractors without training or supervision.

Implementing a Hot Work Management Program■■ Minimize hot work permitting

by considering alternative cold work methods or relocating the work to a hot work designated area.

■■ Establish a formal policy and procedures for hot work man-agement endorsed by senior management.

■■ Train personnel and contractors on the hot work policy and pro-cedures, and on the facility-spe-cific fire and explosion hazards.

■■ Retain hot work management documentation for program au-dits (e.g., completed Hot Work Permits, incident reports and near miss reports).

■■ Audit the program (not just the documentation); evalu-ate active hot work areas; and review the facility for physical or personnel changes that impact the program.

■■ Manage and supervise contrac-tors conducting hot work within the facility.

Loss studies show that the follow-ing three steps in hot work permit-ting are often neglected. Make sure your hot work management program emphasizes them.1. Consider alternatives to using

hot work permitting. Use an alternative cold work method to join, trim or sever without compromising mechanical integrity. Switching to a cold work method eliminates the hot work fire and explosion risk.

Otherwise, relocate the work to a hot work designated area within the facility. These areas are designed and maintained to be free of combustibles and confine hot work ignition sources to that area.

2. Properly prepare and maintain the hot work area and/or equipment. Follow the hot work 35-foot (10-meter) rule

on page 8 and emphasize these precautions:

■■ Identify and cover combustible construction in the hot work area.

■■ Remove moveable combustible contents, or cover with FM Approved blankets or pads.

■■ Remove ignitable liquid, combustible dust/lint and combustible deposits/residues.

■■ Shut down process equipment that could release combustible, ignitable or flammable material into the hot work area.

■■ Shut down ventilation and conveying systems capable of transporting hot work ignition sources outside the hot work area.

■■ Purge equipment and intercon-nected equipment of flammable gas/vapor.

■■ Provide a fire watch in the hot work area from start of work to work completion, even during breaks, to ensure the required precautions remain implemented and the hot work area is firesafe.

■■ Provide a second fire watch on the opposite side of floors, walls, ceilings or roofs when unprotected openings are present, or when working on thermally conductive materials passing through.

3. Ensure both fire protection and hot work equipment work properly. Make sure the sprinklers, water supply and other fixed fire protection systems are in service.

■■ Provide operable fire extinguish-ers in the hot work area.

■■ Ensure hot work equipment is in good working condition.

Every year, hot work is among the top five causes of increasingly severe and frequent fire and explosion at FM Global insured properties.

Electricity 26 % Hot Work 13 % Operating Conditions 12 % Arson 9 % Hot Surface 7 % Friction 6 % Spark/Ember 5 % Overheating 4 % Exposure From Outside Property 4 % Other 13 %

Don’t Get Burned by Hot Work 4 of 10

Top Ignition Sources of Fire and Explosion (2000 through 2004) (gross loss in percentages)

5 %

4 %4 %

13 %

26 %

13 %

12 %9 %7 %

6 %

Don’t Get Burned by Hot Work 5 of 12

How Effective Is Your Hot Work Management Program?■■ Do you have a written manage-

ment policy covering plant or corporate intention to control hot work? Is it clearly communicated to all employees and contractors?

■■ Do you clearly communicate detailed, written hot work management procedures to all employees and contractors?

■■ Do the procedures include all of the following:■● a requirement to consider

alternative cold work meth-ods to hot work, particularly during the design phase of all new construction, repair and maintenance projects, or relocating to a hot work designated area

■● an assigned, named position to manage the hot work program

■● an assigned, trained hot work permit authorizer

■● employee education and empowerment to stop unsafe hot work operations

■● trained and supervised contractors

■● a process to properly evalu-ate and understand fire and explosion hazards within your facility, including identifying hot work high-risk areas?

■● formally stated conse-quences for violating hot work procedures

■■ Are permit authorizers:■● knowledgeable in fire and

explosion hazards pertain-ing to building contents, operations and facility con-struction, and in predeter-mined post-work fire watch and monitoring durations in the various facility areas

■● available (or on call) 24 hours a day

■● contacted for all hot work (inside and outside of facility buildings)

■● authorized to stop all hot work

■● required to visit all hot work areas prior to autho-rizing the permit and start of work

■● required to personally com-plete the Hot Work Permit? (This tag is conspicuously posted at the job site by the fire safety supervisor.)

Managing Outside ContractorsThe trend toward outsourcing main-tenance and renovations has its risks. A contractor may have the technical expertise to perform hot work, but most likely does not have a full un-derstanding of the facility’s fire and explosion hazards, nor the hot work management policy and procedures.

Before allowing contractors to start any job, it’s crucial you make sure they:■■ sign a contract agreeing to

faithfully follow your hot work policy and understand the job will not proceed without one

■■ demonstrate proficiency in your company’s hot work safety train-ing program and ability to carry out procedures; and

■■ understand they will be properly supervised by your employees.

Empowering Personnel and Making Them AccountableCombustible material capable of being ignited by hot work ignition sources are present just about every-where—in offices, storage, manufac-turing sites, even resorts. As a result, it’s crucial that facility personnel do their part to manage hot work by following the policy, procedures and Hot Work Permit System, including every required precaution, no matter how insignificant it might seem. Cut-ting just one corner undermines the entire hot work management effort and creates opportunity for another near miss or major incident. Fur-thermore, property loss can amount to job loss. (For more information on the role of facility personnel, see page 7.)

The Importance of Fire ProtectionManual fire protection (extinguish-ers, hoses, etc.) should be operating and in place before the job starts. If automatic sprinkler protection is provided for the area, make sure the system is in service. The presence of sprinkler protection means the area contains, or is constructed of, combustible material. And that one word—combustible—is a critical reason for conducting hot work with great care.

Other FM Global Hot Work ResourcesBe sure to take advantage of these FM Global resources for more information on controlling hot work:■■ FM Global Property Loss

Prevention Data Sheet 10-3, Hot Work Management

■■ Hot Work Permit form (F2630)*■■ Pocket Guide to Hot Work Loss

Prevention (P9602)*

*available in several languages.

Fire and explosion hazards within facilities are often not readily apparent, even to the most experienced workers. For example:

■ Almost everything around you can burn. Sparks and molten globules become uncontrolled ignition sources, often flying or rolling long distances. One spark landing on or near combustible material—like insulation, wood particles or ignitable liquid—is enough to start a fire.

■ Sparks can settle in areas you can’t see, such as the tops of high ledges, floor openings, vents, recessed walls or ceiling openings. And, they can smolder unnoticed for hours before igniting a fire.

■ Combustible material is not always visible. Cutting into a metal wall can ignite the inside wall. With enough heat, anything combustible on the other side—or close to it—can catch fire.

■ The flame of an oxygen-acetylene torch can exceed 6,000°F (3,316°C). Hot work on/in vessels or tanks can ignite residual ignitable deposits/vapor or flammable gas, unless the vessels or tanks are properly cleaned, inerted, and inspected before and during hot work activities.

Therefore, it’s important that facility personnel do their part to minimize the risk posed by hot work ignition sources. Although the permit authorizer and fire watch are responsible for specific duties, as outlined below, all employees need to assume accountability for following the precautions outlined in your hot work policy.

Owner of the Hot Work Permit – the Permit AuthorizerThe permit authorizer’s duties include implementing the company’s hot work policy and permit procedures. Before authorizing any hot work job, the authorizer must ask: Is a hot work permit the only option? Consider alternatives such as cold work methods or relocating the work to a hot work designated area. Can either of these alternatives be employed? Often, the answer is yes.

Alternative cold work methods may include: ■ cutting with a hand or reciprocating electric saw, or pipe cutter; ■ using a mechanical bolting method; ■ using hand-filing instead of grinding; ■ installing threaded or press clamped pipe instead of welded or soldered

where local codes permit; and ■ avoiding roofing torches (many types of FM Approved roof coverings can

be installed without torches).

Facility-Personnel: Know the Hazards, Follow the Policy

Don’t Get Burned by Hot Work 6 of 10

Authorizing the Hot Work JobIf there is no alternative to conducting hot work requiring a permit, and the area in question is firesafe, the fire safety supervisor uses the two-part FM Global Hot Work Permit to authorize the hot work. Before signing the permit, the authorizer discusses with the hot work operator and the fire watch exactly what the work will involve, and ensures all needed required precautions identified on the permit have been implemented prior to the start of work (see the discussion below on the Hot Work Permit Required Precautions). Then, Part 2 of the FM Global Hot Work Permit is displayed prominently in the work area, while Part 1 is posted in a visible, central area (e.g., maintenance office) to alert personnel that active hot work is in progress within the facility.

Hot Work Permit – Required PrecautionsThe required precautions listed in the right column center upon: controlling combustible, ignitable and flammable material in the hot work area or in equipment; maintaining hot work ignition sources within the hot work area; and providing fire protection for the hot work area. Control of combustibles and ignition sources are intended to prevent a fire or explosion, while fire protection mitigates the fire risk in the event prevention controls fail due to a mistake or error in judgment, which unfortunately happens on occasion.

■ Verify the hot work equipment is operable and properly arranged.

Protecting the Hot Work Area ■ Verify automatic fire protection systems are in service,

if provided (e.g., automatic sprinklers). ■ Verify onsite water supplies serving fire protection

systems are in service (i.e., pumps in automatic mode and suction tanks full).

■ Verify there are no active or planned fire protection system impairments near the hot work area during the work or during the post-work fire watch and fire monitoring periods. If protection is not provided or is impaired, consider delaying work until protection is restored, or alternatively treat the unprotected area as a hot work high-risk area and provide Additional Required Precautions (e.g., laying charged firefighting hose streams and stationing trained firefighting personnel in the hot work area, or requiring permit authorization by senior management).

■ Provide manual firefighting equipment, including supplemental fire extinguishers (in addition to those extinguishers required by local codes).

Preparing the hot work areaWhen preparing for permitted hot work, the hot work area first needs to be defined. Use the 35-ft. (10-m) rule to define the hot work area horizontally from the hot work site, and a minimum of 15 ft. (5 m) above the hot work site. If conducting elevated hot work, consider expanding the hot work area horizontally to 50 ft. (15 m). Once defined, provide the following required precautions to control combustibles and hot work ignition sources within the hot work area.

■ Remove combustibles from the hot work area. If combustibles are nonmoveable, isolate materials from ignition sources by shielding/covering them with FM Approved welding blankets.

Facility-Personnel: Know the Hazards, Follow the Policy (continued)

Don’t Get Burned by Hot Work 7 of 10

WARNING

Instructions

1. Person performing hot work: Indicate time started

and post permit at hot work location. After hot work

is completed, indicate time and leave permit posted

for fire watch.

2. Fire Watch: watch area during hot work and for one

(1) hour after completion. Prior to leaving area, perform final

inspection, sign, leave permit posted and notify firesafety

supervisor.

3. Monitor: Monitor area for additional three (3) hours. Perform

final inspection, sign and return to firesafety supervisor.

HOT WORK IN PROGRESS! Watch for fire!

Part 2

DATE

hot woRk by

Employee

Contractor Job NumbEr

NAmE (priNT) AND sigNATurE of firEsAfETy supErvisor/opErATioNs supErvisor

TimE sTArTED:

TimE fiNishED:

DATETimE

Permit Expires

I verify the above location has been examined, the precautions

checked on the Required Precautions Checklist have been taken

to prevent fire, and permission is authorized for this work.

a.m.

p.m.

Fire watch signoff: work area and all adjacent areas to which

sparks and heat might have spread were inspected during the

watch period and were found firesafe.

Signed:

Final checkup: work area was monitored for three (3) hours following

completion of the one (1) hour fire watch and found firesafe.

Signed:

a.m. p.m.

a.m. p.m.

LocATioN/buiLDiNg AND fLoor

iDENTify obJEcT/spEcific LocATioN

NATurE of Job

NAmE (priNT) AND sigNATurE of pErsoN pErformiNg hoT work

Required Precautions Checklist

n n the fire pump is in operation and switched to automatic.

n n Control valves to water supply for sprinkler system are open.

n n hose streams and extinguishers are in service/operable.

n n hot work equipment in good working condition.

Requirements within 35 ft. (11 m) of hot work

n n Ignitable liquid, dust, lint and oily deposits removed.

n n Explosive atmosphere in area eliminated.

n n Floors swept clean.

n n Combustible floors wet down, covered with damp sand

or fire-resistive sheets.

n n Remove other combustible material where possible.

n n otherwise, protect with FM Approved welding pads, blankets

and curtains, fire-resistive tarpaulins or metal shields.

n n All wall and floor openings covered.

n n FM Approved welding pads, blankets and curtains installed under

and around work.

n n Protect or shut down ducts and conveyors that might carry sparks

to distant combustible material.

Hot work on walls, ceilings or roofs

n n Construction is noncombustible and without combustible covering

or insulation.

n n Combustible material on other side of walls, ceilings or roofs is moved away.

Hot work on enclosed equipment

n n Enclosed equipment cleaned of all combustible material.

n n Containers purged of ignitable liquid/vapor.

n n Pressurized vessels, piping and equipment removed from service,

isolated and vented.

Fire watch/hot work area monitoring

n n Fire watch will be provided during and for one (1) hour after work,

including any break activity.

n n Fire watch is supplied with suitable extinguishers, and where practical,

a charged small hose.

n n Fire watch is trained in use of equipment and in sounding alarm.

n n Fire watch may be required in adjoining areas, above and below.

n n Monitor hot work area for an additional three (3) hours after the

one (1) hour fire watch.

n n Other precautions taken:

Y NA HOT WORK PERMITThis Hot Work Permit is required for any temporary operation involving open flames or producing heat and/or sparks.

This includes, but is not limited to: brazing, cutting, grinding, soldering, torch-applied roofing and welding.

Instructions

1. Firesafety supervisor:

A. Verify precautions listed at right (or do not proceed

with the work). B. Complete and retain Part 1. (Part 1A is for quality

assurance documentation, if necessary.)

C. Issue Part 2 to person performing hot work.

STOP!

Avoid hot work or seek an alternative/safer method, if possible.Part 1

F2630 © 2012 FM Global. (Rev. 6/2012)

All rights reserved.

Note: Emergency notification on back of form.

Use as appropriate for your facility.

To order additional hot work permits or other FM Global resources, order

online 24 hours a day, seven days a week, at www.fmglobalcatalog.com.

DATE

hot woRk by

Employee Contractor

Job NumbEr

LocATioN/buiLDiNg AND fLooriDENTify obJEcT/spEcific LocATioNNATurE of Job

NAmE (priNT) AND sigNATurE of pErsoN pErformiNg hoT workNAmE (priNT) AND sigNATurE of firEsAfETy supErvisor/opErATioNs supErvisor

DATE

TimE

Permit Expires

I verify the above location has been examined, the precautions

checked on the Required Precautions Checklist have been taken

to prevent fire, and permission is authorized for this work.

a.m. p.m.

TimE sTArTED:

TimE fiNishED:

a.m. p.m.

a.m. p.m.

Required Precautions Checklist

n n the fire pump is in operation and switched to automatic.

n n Control valves to water supply for sprinkler system are open.

n n hose streams and extinguishers are in service/operable.

n n hot work equipment in good working condition.

Requirements within 35 ft. (11 m) of hot work

n n Ignitable liquid, dust, lint and oily deposits removed.

n n Explosive atmosphere in area eliminated.

n n Floors swept clean.

n n Combustible floors wet down, covered with damp sand

or fire-resistive sheets.

n n Remove other combustible material where possible.

n n otherwise, protect with FM Approved welding pads, blankets

and curtains, fire-resistive tarpaulins or metal shields.

n n All wall and floor openings covered.

n n FM Approved welding pads, blankets and curtains installed under

and around work.

n n Protect or shut down ducts and conveyors that might carry sparks

to distant combustible material.

Hot work on walls, ceilings or roofs

n n Construction is noncombustible and without combustible covering

or insulation.n n Combustible material on other side of walls, ceilings or roofs is moved away.

Hot work on enclosed equipment

n n Enclosed equipment cleaned of all combustible material.

n n Containers purged of ignitable liquid/vapor.

n n Pressurized vessels, piping and equipment removed from service,

isolated and vented.

Fire watch/hot work area monitoring

n n Fire watch will be provided during and for one (1) hour after work,

including any break activity.

n n Fire watch is supplied with suitable extinguishers, and where practical,

a charged small hose.

n n Fire watch is trained in use of equipment and in sounding alarm.

n n Fire watch may be required in adjoining areas, above and below.

n n Monitor hot work area for an additional three (3) hours after the

one (1) hour fire watch.

n n Other precautions taken:

Y NA

■ Remove combustible accumulations from within the hot work area (e.g., combustible debris, oil residues or combustible dust/lint).

■ Identify and isolate potential sources of flammable gas, ignitable liquid and/or combustible dust/lint that may be released into the hot work area during work. Conducting a job safety analysis may identify sources of these materials and whether the systems need to be just de-energized, or if additional protection is warranted such as isolation, drain and purge.

■ Test the hot work area for flammable vapor/gas prior to work and as needed during work. ■ Protect or shut down ventilation and conveying systems that may transport combustible material into the hot work area

or hot work ignition sources out of the area. ■ Extend the hot work area to the opposite side of a building assembly (floor, wall, ceiling or roof) when openings exist

through which hot work ignition sources may pass through, or working on thermally conductive materials that may transfer heat through the building assembly. In both cases, combustibles on the other side of the wall may be exposed to hot work ignition sources.

■ Identify and safeguard combustible-lined equipment, piping or ductwork within the hot work area that have openings that may allow the ingress of hot work ignition sources.

■ Treat the following as hot work high-risk operations and provide Additional Required Precautions: • Hot work on thermally conductive materials at or near a penetration into a combustible building assembly (e.g., remove

portions of the building assembly and install noncombustible replacement materials, monitor temperature of the thermally conductive material before the penetration, temporarily installing a thermal sink on the thermally conductive material before the penetration, or perform fire watch using an infrared camera to inspect the thermally conductive material and wall for hot spots).

• Hot work on combustible building assembly including cutting through non-FM Approved insulated steel deck roof assembly or insulated metal panels (e.g., developing a specific fire emergency response plan, including conditions under which the fire service should be called and verifying fire service access to the site; stopping work immediately if material appears to be smoking; performing fire watch using an infrared camera to inspect the materials for hot spots).

• Torch-applied roofing systems including installation of, repair of or alteration to the roof cover (e.g., developing a specific fire emergency response plan including conditions under which the fire service should be called and verifying fire service access to the site stopping work immediately if material appears to be smoking; performing fire watch using an infrared camera to inspect the materials for hot spots; locating the asphalt kettle a minimum of 25 ft. (7.5 m) away from the building or combustible yard storage; and closing all valves on fuel-fired equipment when unattended).

Prepare for Hot Work on/in EquipmentWhen preparing for permitted hot work on/in equipment, the following precautions may need to be considered in addition to preparing the hot work area around the equipment.

■ Identify and isolate interconnected equipment and piping that contain flammable gas, ignitable liquid or combustible dust/lint.

■ Drain ignitable liquid and purge flammable vapor/gas from equipment and interconnected piping. ■ Test equipment and/or piping for flammable vapor/gas prior to work and as needed during work. Consider testing even if

the equipment does not normally contain these materials but could if a process stream is contaminated by a process leak (heat exchanger or wastewater treatment) or decaying organic material (wood pulp).

■ Remove combustible debris, dust/lint and residues from the equipment and interconnected piping. ■ Treat hot work on combustible-lined equipment, piping or ductwork as a hot work high-risk operation (again consider

using an alternative cold work method, label combustible-lined equipment, flood equipment with water or continuously wet down the interior during work and post-work, identify access ports upstream and downstream of the work site and lay out firefighting hose, or isolate equipment upstream and downstream of hot work site using non-thermally conductive material for a blank).

Facility-Personnel: Know the Hazards, Follow the Policy (continued)

Don’t Get Burned by Hot Work 8 of 10

Fire Watch and Monitor of the Hot Work Area ■ During work, perform a continuous fire watch over the hot work

area. The continuous fire watch should consist of the following: • Extend from start to end of work uninterrupted. If needed, the

fire watch responsibilities should be passed temporarily or permanently if the initial fire watch needs to leave the area.

• Ensure hot work ignition sources remain in the defined hot work area.

• Maintain the required precautions listed on the Hot Work Permit in place.

• Notify emergency contacts prior to attempting to extinguish the fire.

• Stop all work if unsafe conditions are identified, and contact the Permit Authorizer.

The permit authorizer may require an additional (second) fire watch individual if: the hot work area and person performing the work are not both visible from a single vantage point; the hot work area is large, multilevel and/or congested; or an opening or thermally conductive assembly extends through a building assembly.

■ After hot work has concluded, perform a continuous fire watch over the hot work area for 30 or 60 minutes depending on the post-work category. Guidance on determining the post-work category is provided in FM Global Property Loss Prevention Data Sheet 10-3, Hot Work Management section 2.0. This fire-watch should have the same responsibilities as mentioned previously in the during-work fire watch.

■ After the post-work fire watch, perform fire monitoring within the hot work area for up to 5 hours depending on the post-work category. Guidance on determining the post-work category is provided in Data Sheet 10-3 section 2.0. Methods of fire monitoring may include automatic smoke detection with remote alarm annunciation, security video cameras, operators routinely present in the hot work area or intermittent patrols by personnel (i.e., every 15 minutes).

Post-Work Categorized AreasDepending on construction and occupancy fire hazards present at a facility, determine the appropriate post-work fire watch and fire monitoring periods using Data Sheet 10-3, section 2.0. Categories range from A, B-1, B-2, C and D differing on the potential to support a smoldering fire, and result in a large uncontrolled fire (based on FM Global loss history).

Hot Work High-Risk AreasThe Required Precautions listed above are general and intended to be applicable in nearly all facilities. Hot work high-risk areas may require Additional Required Precautions, which are above and beyond the standard list of Required Precautions due to the heightened likelihood or consequence of a fire or explosion in the hot work area. Examples of Additional Required Precautions are provided in the previous section “Preparing the Hot Work Area.”

Facility-Personnel: Know the Hazards, Follow the Policy (continued)

Don’t Get Burned by Hot Work 9 of 10

P9802 © 2015 FM Global (09/2016) All rights reserved. fmglobal.com

FM Insurance Company Limited1 Windsor Dials, Windsor, Berkshire, SL4 1RSAuthorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Contact Us: To report an impairment or to find an FM Global office nearest you, visit fmglobal.com/contact.

Report A Loss: Dial (1)877 NEW LOSS (639 5677)* to report a property or cargo loss 24 hours a day, seven days a week. Or, to contact your client service team or designated claims office directly, go to fmglobal.com/claims or affiliatedfm.com/claims for location and contact information.

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Product Ordering Information:For additional copies of this publication or other FM Global resources, order online 24 hours a day, seven days a week at fmglobalcatalog.com.

Or, for personal assistance worldwide, contact our U.S.-based customer services team, Monday – Friday, 8 a.m. – 5 p.m. ET: n Toll-free: (1)877 364 6726

(Canada and the United States) n Phone: +1 (1)401 477 7744 n Fax: +1 (1)401 477 7010 n Email: [email protected]